BlastPoint's Credit Union Scorecard

WAUNA

Charter #17990 · OR

1077 CUs in 100M-500M nationally 18 in OR

WAUNA has 8 strengths but faces 5 concerns

National Analysis

How does the industry compare?

OR Analysis

How does OR stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 26.2% in tier
+ Organic Growth Leader: Top 26.7% in tier
+ ROA 0.10% above tier average
+ Net Interest Margin 0.43% above tier average
+ Fee Income Per Member: Top 2.3% in tier
+ Total Loans: Top 4.8% in tier
+ Total Deposits: Top 6.6% in tier
+ Total Assets: Top 9.9% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 15.5% in tier
- Indirect Auto Dependency: Bottom 32.6% in tier
- Efficiency ratio 0.45% above tier (higher cost structure)
- Asset Growth Rate: Bottom 4.2% in tier
- Net Worth Ratio: Bottom 8.1% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (OR)	National Avg	Tier Percentile
Members	26,632 +1.1% YoY+0.6% QoQ	+11.0K	15,628 -3.4% YoY	48,799 +9.4% YoY	33,089 +6.1% YoY	Top 10.4% in tier
Assets	$408.4M -4.5% YoY-1.7% QoQ	+$177.1M	$231.3M -0.0% YoY	$801.2M +7.5% YoY	$547.7M +7.8% YoY	Top 10.0% in tier
Loans	$311.4M -1.8% YoY-0.1% QoQ	+$163.6M	$147.8M -1.4% YoY	$546.0M +10.9% YoY	$388.7M +8.6% YoY	Top 4.9% in tier
Deposits	$370.9M -0.1% YoY+2.0% QoQ	+$170.6M	$200.3M -0.0% YoY	$683.7M +7.5% YoY	$464.6M +9.3% YoY	Top 6.7% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.9% +898.0% YoY+16.2% QoQ	+0.1%	0.8% +15.5% YoY	0.7% +15.2% YoY	0.7% +273.4% YoY	58%
NIM	4.0% +22.0% YoY+2.8% QoQ	+0.4%	3.6% +6.9% YoY	3.9% +7.2% YoY	3.7% +5.0% YoY	74%
Efficiency Ratio	77.7% -13.1% YoY-1.2% QoQ	+0.4%	77.3% -3.0% YoY	76.2% -3.6% YoY	79.1% -3.3% YoY	53%
Delinquency Rate	0.8% -16.8% YoY-15.9% QoQ	-0.0	0.9% +7.6% YoY	0.9% -6.6% YoY	1.2% -0.9% YoY	61%
Loan To Share	83.9% -1.7% YoY-2.0% QoQ	+11.2%	72.7% -1.5% YoY	76.2% +0.8% YoY	68.0% -1.7% YoY	72%
AMR	$25,620 -2.0% YoY+0.5% QoQ	+$1K	$24,363 +2.9% YoY	$25,038 +0.5% YoY	$19,418 +1.3% YoY	68%
CD Concentration	23.4% -12.5% YoY+1.4% QoQ	-1.0%	24.4% +4.2% YoY	16.6% +1.3% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	15.5% -16.6% YoY-4.4% QoQ	+1.5%	14.0% -5.7% YoY	13.9% -0.5% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#481 of 603 • Top 26.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.12%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.89%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 15.51%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Organic Growth Leader

growth

#353 of 430 • Top 26.7% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.12%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 15.51%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | Rank worsening

Concerns (2)

Shrinking Wallet Share

decline

#155 of 244 • Bottom 15.5% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -2.03%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

244 of 1077 Community CUs have this signature | 346 nationally

↓ Shrinking -221 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#524 of 525 • Bottom 32.6% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): -4.55%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 15.51%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 1.12%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank worsening

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (5 metrics)

Fee Income Per Member

profitability

Value: $351.86

Peer Avg: -

#26 of 1077 Top 2.3% in 100M-500M tier

Total Loans

balance_sheet

Value: $311.39M

Peer Avg: -

#53 of 1077 Top 4.8% in 100M-500M tier

Total Deposits

balance_sheet

Value: $370.93M

Peer Avg: -

#72 of 1077 Top 6.6% in 100M-500M tier

108

Total Assets

balance_sheet

Value: $408.43M

Peer Avg: -

#108 of 1077 Top 9.9% in 100M-500M tier

112

Total Members

engagement

Value: 26,632

Peer Avg: -

#112 of 1077 Top 10.3% in 100M-500M tier

Top Weaknesses (6 metrics)

1033

Asset Growth Rate

growth

Value: -4.55%

Peer Avg: -

#1033 of 1077 Bottom 4.2% in 100M-500M tier

991

Net Worth Ratio

risk

Value: 8.49%

Peer Avg: -

#991 of 1077 Bottom 8.1% in 100M-500M tier

955

Members Per Employee (MPE)

engagement

Value: 231.583

Peer Avg: -

#955 of 1077 Bottom 11.4% in 100M-500M tier

953

AMR Growth Rate

growth

Value: -2.03%

Peer Avg: -

#953 of 1077 Bottom 11.6% in 100M-500M tier

883

Deposit Growth Rate

growth

Value: -0.15%

Peer Avg: -

#883 of 1077 Bottom 18.1% in 100M-500M tier

831

Net Charge-Off Rate

risk

Value: 0.65%

Peer Avg: -

#831 of 1077 Bottom 22.9% in 100M-500M tier